The present invention provides a system for accumulating credits from a customer account belonging to the customer and managed by an institution and placing the credits into a provider account. The compositions may further comprise monohydric alcohols, surfactants, emollients, fatty alcohols, stabilizing agents, antimicrobial and antibacterial agents, cooling agents, fragrance, dyes and the like. At least one of the first and second stages comprises a jet engine. The concrete blend is then used to produce multi-colored concrete products. A consumer weighted product value is determined based on the baseline product value and the weighted product attributes. The method includes server side and client side code which combined enables a click verification web site to identify valid and invalid clicks and in real-time prevents advertisers from getting billed for fraudulent activity.